LendInvest Bridging Loan Rate Table
Indicative rates as of October 2026. All rates are per calendar month. Where the automated valuation model (AVM) applies, a physical RICS valuation may not be required, reducing cost and time to completion. Property must be in England or Wales.
| Product / Security Type | LTV Band | Rate (per month) | Typical Use Case | Arrangement Fee | Max Term |
|---|---|---|---|---|---|
| Prime residential 1st charge AVM eligible | Up to 60% | from 0.48% | Low-LTV chain break, purchase or refinance | 2% | 24 months |
| Standard residential 1st charge AVM eligible | 60–70% | from 0.55% | Residential purchase, chain break, light refurb | 2% | 24 months |
| Residential 1st charge | 70–75% | from 0.65% | Higher LTV purchase, equity release | 2% | 24 months |
| Commercial 1st charge | Up to 65% | from 0.70% | Commercial purchase, mixed-use property | 2% | 24 months |
| 2nd charge residential | Up to 70% CLTV | from 0.90% | Capital raise, deposit funding, deferred works | 2% | 24 months |
AVM = LendInvest's proprietary automated valuation model. Eligible on standard residential properties in England and Wales. Not available on commercial, non-standard or complex properties. Rates correct October 2026.
How LendInvest Rates Compare to the Market
LendInvest sit between the market-leading MT Finance rate and the mid-market on standard residential bridging. Their real differentiator is process efficiency: AVM technology and a streamlined platform can materially reduce the time from instruction to completion.
| Product / Scenario | LendInvest | Panel Average | Typical Competitor | LendInvest's Position |
|---|---|---|---|---|
| Prime resi 1st charge, up to 60% LTV | 0.48%/mo | 0.52%/mo | 0.55%/mo | Competitive |
| Standard resi 1st charge, 60–70% LTV | 0.55%/mo | 0.55%/mo | 0.57%/mo | In line |
| Resi 1st charge, 70–75% LTV | 0.65%/mo | 0.68%/mo | 0.70%/mo | Competitive |
| Speed of valuation (AVM-eligible cases) | Same day (AVM) | 5–10 days (RICS) | 3–7 days (RICS) | Technology advantage |
| Bridge-to-BTL refinance (same lender) | Available | Two-lender process | Requires refinance | Unique advantage |
Key Features of LendInvest Bridging Finance
LendInvest's edge is technology and institutional credibility. For investors who want a clean, transparent process and the option to exit into BTL with the same lender, they are a strong choice.
- FTSE-listed institutional lender: LendInvest has been listed on the London Stock Exchange since 2021, bringing institutional governance, FCA oversight and balance sheet transparency that many specialist lenders do not offer. This matters to some borrowers, particularly corporates and sophisticated investors.
- Proprietary AVM technology: LendInvest's in-house automated valuation model can provide a desktop valuation on eligible standard residential properties in England and Wales - removing the need for a physical RICS valuation in qualifying cases. This can cut days from the completion timetable and reduces the borrower's upfront outlay.
- Bridge-to-BTL with the same lender: LendInvest offers both bridging and buy-to-let mortgage products. A borrower who acquires on a LendInvest bridge can exit directly into a LendInvest BTL without changing lender - simplifying the refinance, reducing legal cost and removing the risk of a delayed exit while a separate BTL application completes.
- Competitive sub-60% LTV rate: At 0.48%/month up to 60% LTV, LendInvest are well below the market average for this LTV band, and only marginally above MT Finance's headline rate - without requiring the very low sub-55% threshold that MT Finance's best rate demands.
- Up to £15m, 24-month term: Loan sizes from smaller residential deals up to £15m, covering the full range of investment and development bridge requirements where the maximum term provides sufficient flexibility for planning, refurbishment or a phased sales programme.
- England and Wales - strong appetite: Within their geographic scope, LendInvest have a solid appetite across residential, commercial and mixed-use property types and do not apply the property-type exclusions that can restrict some lenders' usability.
Is LendInvest Right for Your Deal?
LendInvest are best suited to straightforward-to-moderate complexity deals in England and Wales where process speed, institutional credibility, or a clean bridge-to-BTL exit matters to the borrower.
Where LendInvest wins
- Standard residential bridging in England and Wales where AVM can be used - significantly faster than RICS-reliant lenders
- Investors planning to hold the property as BTL after bridge - exit directly into a LendInvest BTL product without changing lender
- Sub-60% LTV residential where a competitive 0.48%/month rate and institutional backing are both valued
- Borrowers (including corporates and family offices) who want a listed, FCA-regulated lender with transparent governance
- Up to £15m deals in England and Wales where a clean, technology-led process matters
Where to look elsewhere
- Properties in Scotland or Northern Ireland - LendInvest does not lend outside England and Wales
- Adverse credit borrowers - LendInvest do not specialise in near-miss or complex credit profiles (consider Together or MT Finance)
- Non-standard construction - properties outside standard build types may not qualify for AVM and may not suit LendInvest's underwriting criteria
- Loans above £15m - alternative lenders or private banks are needed
- Very fast 5-day completions - LendInvest's process is efficient but MT Finance's speed claim is stronger for absolute urgency